Marisawright Posted January 28, 2020 Share Posted January 28, 2020 (edited) 2 hours ago, Vickie78 said: The rules re: Aussie Penison FYI You must have lived in Australia for at least 10 years, and. Of those 10 years that you've lived in Australia, there should be at least 1 period where you have lived in Australia continuously for 5 years. That's true IF YOU ARE RESIDING IN AUSTRALIA. If you've lived in Australia for 10 years, then you are entitled to the full pension (means tested, of course). However if you are living overseas, different rules apply. To get the full pension overseas, you need 35 years' residency. If you've only got 10 years' residency, then you'll only get 10/35ths. Anyway, if you move to the UK before you reach pensionable age, you can't even claim it. If you move back to Australia and live for 2 years either before or after your eligibility date, you can claim the pension and then you can move back to the UK and keep the pension - but I doubt many of us would be keen to uproot ourselves for 2 years in our late sixties/early seventies. Edited January 28, 2020 by Marisawright 3 Quote Link to comment Share on other sites More sharing options...
Vickie78 Posted January 29, 2020 Share Posted January 29, 2020 Exactly which is why I said good luck with that... as in no chance. Quote Link to comment Share on other sites More sharing options...
EnglishLass Posted January 30, 2020 Share Posted January 30, 2020 On 24/01/2020 at 13:13, RoundInCircles said: Hi Hi FeelingStuck and thank you for your message; good to hear from you Things can't move quick enough for me...currently waiting for my UK Birth Certificate to arrive then I can apply for a British Passport...all this waiting is driving me mad but I. MUST. BE. PATIENT. lol. So far, I have applied and received my Australian Passport, have made enquiries about shipping my pet, looked into flights, started researching where to live, looking at what jobs are out there and have started a list of the items I want to sell before we leave. Our goal is to move over in July if finances are tracking okay but we are flexible. Thank you for your good wishes...and...you should start planning for your future too! Regards... Hi Round In Circles I am definitely planning for my future, but love reading about others’ successful trips home in the meantime!! 1 Quote Link to comment Share on other sites More sharing options...
Marisawright Posted January 30, 2020 Share Posted January 30, 2020 23 hours ago, Vickie78 said: Exactly which is why I said good luck with that... as in no chance. Well, some people might want to try it. Which is why I thought, it's important for people to know about the 35-year requirement. It would be awful to go to all that expense and upheaval and then find you're only eligible to claim 10/35th anyway! 2 Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted January 30, 2020 Author Share Posted January 30, 2020 4 hours ago, EnglishLass said: Hi Round In Circles I am definitely planning for my future, but love reading about others’ successful trips home in the meantime!! Hello there EnglishLass...thank you for your message I'm like you when it comes to the positive move messages...it makes you think "well, if they can do it, so can I!" It's good to read about the less successful trips home and the reasons that for some it just hasn't worked out and they have finally realised that Australia is the best option for them. We're all different...we all have our different stories to tell...our family and life circumstances vary...it's good to acknowledge that what works for one may not work for another, true? Very best of wishes with planning your adventure! Kind regards... 1 Quote Link to comment Share on other sites More sharing options...
Rossmoyne Posted January 30, 2020 Share Posted January 30, 2020 What an interesting thread, but what seems to be paramount in all this is that pension rules etc change on a continual basis and you cannot plan your financial retired future with any degree of certainty. 1 Quote Link to comment Share on other sites More sharing options...
Marisawright Posted January 30, 2020 Share Posted January 30, 2020 13 minutes ago, Rossmoyne said: What an interesting thread, but what seems to be paramount in all this is that pension rules etc change on a continual basis and you cannot plan your financial retired future with any degree of certainty. To me, the paramount thing is that if you're not happy in Australia and hanker to return to the UK (or vice versa), DO NOT think, "I'll stick it out for now, and I'll move back when I retire". It's bad enough that so many countries are cutting back on their government pensions, but when you move overseas, you're at the mercy of exchange rates and international taxes - to the point where you just can't afford it. The lesson is, if you want to go home (or wherever) do it when you're fifty and still have time to build up savings and a pension before you retire. Don't wait till retirement or you may find it's too late. 4 Quote Link to comment Share on other sites More sharing options...
starlight7 Posted January 30, 2020 Share Posted January 30, 2020 The Australian pension is different from the British one because it is means tested. Many of us get zilch and you have to be pretty poor to get a full one. They don’t care how long or how hard you worked. 3 Quote Link to comment Share on other sites More sharing options...
Marisawright Posted January 30, 2020 Share Posted January 30, 2020 8 minutes ago, starlight7 said: The Australian pension is different from the British one because it is means tested. Many of us get zilch and you have to be pretty poor to get a full one. They don’t care how long or how hard you worked. That's true, but it's still available to everyone as a safety net in case your superannuation runs out. Besides, unlike the UK, there is no NI contribution in Australia. You pay your taxes but none of that money is earmarked to pay you a pension - it pays for roads, hospitals, and other services. If some of it was earmarked to pay a guaranteed pension to all, our taxes would have to be higher. The pension is a benefit, like unemployment benefit, for the needy. 2 Quote Link to comment Share on other sites More sharing options...
Home and Happy Posted January 30, 2020 Share Posted January 30, 2020 In the U.K., your full state pension is your right, It’s not a benefit....you worked hard and paid for it. Most people have a private pension from work of some sort to supplement it. As long as you’ve kept up your NI contributions from over there, then there is no problem. Quote Link to comment Share on other sites More sharing options...
starlight7 Posted January 31, 2020 Share Posted January 31, 2020 In Australia they only pay you a pension if you have had a very low wage, haven’t any other means or are just generally in need. You can’t pay in to it as you can in the uk. Totally different scenario. If your work pension runs dry or you have very little income then it is supposed to kick in . Doesn’t always happen and they put you through hoops to get it. I wouldn’t want to live off it, pretty low but you do get cheaper rates and medical entitlements. If you leave Australia you aren’t going to get it unless you already have an entitlement and are already receiving it. Some go and live somewhere really cheap like Bali ( once they have qualified and receive it)and fly home for medical treatment which can be done. I have come across a few who do this. Quote Link to comment Share on other sites More sharing options...
Marisawright Posted January 31, 2020 Share Posted January 31, 2020 7 hours ago, starlight7 said: . I wouldn’t want to live off it, pretty low but you do get cheaper rates and medical entitlements. If you leave Australia you aren’t going to get it unless you already have an entitlement and are already receiving it. Some go and live somewhere really cheap like Bali ( once they have qualified and receive it)and fly home for medical treatment which can be done. I have come across a few who do this. You are aware that the full Australian pension is quite a bit higher than the British one? Quote Link to comment Share on other sites More sharing options...
Home and Happy Posted February 1, 2020 Share Posted February 1, 2020 On 31/01/2020 at 12:43, starlight7 said: In Australia they only pay you a pension if you have had a very low wage, haven’t any other means or are just generally in need. You can’t pay in to it as you can in the uk. Totally different scenario. If your work pension runs dry or you have very little income then it is supposed to kick in . Doesn’t always happen and they put you through hoops to get it. I wouldn’t want to live off it, pretty low but you do get cheaper rates and medical entitlements. If you leave Australia you aren’t going to get it unless you already have an entitlement and are already receiving it. Some go and live somewhere really cheap like Bali ( once they have qualified and receive it)and fly home for medical treatment which can be done. I have come across a few who do this. Yes, that’s pretty brutal. Makes me feel happy to be back at home here in UK. It’s a huge price to pay just to live out there. Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 5, 2020 Author Share Posted February 5, 2020 Hi Everyone Just a quick question, please... On arrival in the UK, is there an expectation/requirement that we must be in possession of "x" amount of money? (Just a reminder for you...I am returning to the UK to live and have both an Australian and UK passport)... Thank you in advance and kind regards... Quote Link to comment Share on other sites More sharing options...
Marisawright Posted February 5, 2020 Share Posted February 5, 2020 (edited) 12 minutes ago, RoundInCircles said: Hi Everyone Just a quick question, please... On arrival in the UK, is there an expectation/requirement that we must be in possession of "x" amount of money? (Just a reminder for you...I am returning to the UK to live and have both an Australian and UK passport)... Thank you in advance and kind regards... No, no expectation. You arrive and go through Passport Control with your British passport, exactly the same as if you were returning from a holiday in Ibiza! Edited February 5, 2020 by Marisawright 1 Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 5, 2020 Author Share Posted February 5, 2020 1 hour ago, Marisawright said: No, no expectation. You arrive and go through Passport Control with your British passport, exactly the same as if you were returning from a holiday in Ibiza! Thank you for the quick reply, Marisawright! I had a feeling that would be the case but wanted to make doubley sure. Cheers for now Quote Link to comment Share on other sites More sharing options...
Quoll Posted February 5, 2020 Share Posted February 5, 2020 7 hours ago, Marisawright said: No, no expectation. You arrive and go through Passport Control with your British passport, exactly the same as if you were returning from a holiday in Ibiza! And someone will say "Welcome Home!" And you'll go "Aaaaah!" To the OP - Get yourself on the electoral roll as soon as you can and start establishing yourself. 1 Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 6, 2020 Author Share Posted February 6, 2020 16 hours ago, Quoll said: And someone will say "Welcome Home!" And you'll go "Aaaaah!" To the OP - Get yourself on the electoral roll as soon as you can and start establishing yourself. Hi Quoll I think I will possibly burst into tears if someone says that to me! Thank you for your advice re getting on the electoral roll...must add that to my list of "To Do"s... Kind regards... 1 Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 6, 2020 Author Share Posted February 6, 2020 re British Passport application Application completed, paid for but not yet lodged...working on getting the required documents organised and ready to send off...however, I've reached a bit of a stumbling block with regards to finding someone who's known me for TWO years and are able to complete the Confirm Identity Form...that "someone" must also currently work in, or has previously worked in, a profession as listed by GOV.UK. I was told last night that the passport won't be issued if that requirement cannot be fulfilled! Has anybody else had this same problem? Kind regards Quote Link to comment Share on other sites More sharing options...
Marisawright Posted February 6, 2020 Share Posted February 6, 2020 9 minutes ago, RoundInCircles said: re British Passport application Application completed, paid for but not yet lodged...working on getting the required documents organised and ready to send off...however, I've reached a bit of a stumbling block with regards to finding someone who's known me for TWO years and are able to complete the Confirm Identity Form...that "someone" must also currently work in, or has previously worked in, a profession as listed by GOV.UK. I was told last night that the passport won't be issued if that requirement cannot be fulfilled! Has anybody else had this same problem? Kind regards I used my doctor. 1 Quote Link to comment Share on other sites More sharing options...
Quoll Posted February 6, 2020 Share Posted February 6, 2020 4 hours ago, RoundInCircles said: re British Passport application Application completed, paid for but not yet lodged...working on getting the required documents organised and ready to send off...however, I've reached a bit of a stumbling block with regards to finding someone who's known me for TWO years and are able to complete the Confirm Identity Form...that "someone" must also currently work in, or has previously worked in, a profession as listed by GOV.UK. I was told last night that the passport won't be issued if that requirement cannot be fulfilled! Has anybody else had this same problem? Kind regards My next door neighbour did. The other neighbour she initially asked wasn’t on the list of professionals and she got knocked back so she asked me even though I was retired I had been on the list. Doctors, dentists, kids’ teachers are usually good options. 1 Quote Link to comment Share on other sites More sharing options...
Vickie78 Posted February 6, 2020 Share Posted February 6, 2020 (edited) I used an old colleague/friend still, whom works as a contractor in the banking industry (IT) and included the colour copy of his Aussie passport. Was fine. Edited February 6, 2020 by Vickie78 1 Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 9, 2020 Author Share Posted February 9, 2020 On 06/02/2020 at 22:10, Marisawright said: I used my doctor. Thank you for messaging me Marisawright. My doctor isn't a "friend" and hasn't known me long enough anyway. I've managed to track down an old friend who is teaching! Yay! Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 9, 2020 Author Share Posted February 9, 2020 On 07/02/2020 at 02:38, Quoll said: My next door neighbour did. The other neighbour she initially asked wasn’t on the list of professionals and she got knocked back so she asked me even though I was retired I had been on the list. Doctors, dentists, kids’ teachers are usually good options. Thanks for that Quoll Yes, the person must be a friend and either retired or still working in one of the listed professions. The good news is, I've tracked down an old friend who is teaching! Yay me! 1 Quote Link to comment Share on other sites More sharing options...
RoundInCircles Posted February 9, 2020 Author Share Posted February 9, 2020 On 07/02/2020 at 09:12, Vickie78 said: I used an old colleague/friend still, whom works as a contractor in the banking industry (IT) and included the colour copy of his Aussie passport. Was fine. Hi Vickie78...many thanks for your message. I'm relieved to be able to say that I've tracked down an old friend who is currently teaching! I feel a little less stressed now lol! 1 Quote Link to comment Share on other sites More sharing options...
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